| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 5700 WEST 112TH ST SUITE 100 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 5700 WEST 112TH ST SUITE 100 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $3K | — | $3K | 1.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | — | $1K | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 5700 WEST 112TH ST SUITE 100 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $149 | $149 | 0.42% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,077 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,076 | $11.1M |
| Dental | DELTA DENTAL OF MISSOURI | 1,088 | $563K |
| Vision | VISION SERVICE PLAN | 622 | $154K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,077 | $541K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,077 | $313K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,076 | $11.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,077 | $11.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,088 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.